Skip to main content

Full text of "USPTO Patents Application 09998152"

See other formats


; Z5-eo:(ss-iuui) NOIlflfflQ « :aiS3 » SS9S9t/:siNQ « ffl- JWHldSINIAS , [aim N6nfeQ ujajscg] Wd 9 W M tOOZ/l.C/8 IV QA3il « Hit 39Vd 



| ! Atty. Docket No.. 010520 
i SeriallNo. 09/998,152 



! Ambndments to the. Claims 



. i Claim 1 (Currently Amended): A computer-assisted method for processing 

' ' ' i ' ■ ' i 1 I 1 1 I • : 

■ documents in a database having at least one record therein, said method comprising: • 

■: i ! i. ! ; ! . !; , ; 

1 I ! • reviewing asset-related .data contained on at least one document; 

i ; , * ! ' ' ' : 

! : i ■ : ; ' 1 

■ | . j ■ ■ receiving safd document into said database on a flow basis including receiving 

information from said document intoisaid database as said document information, becomes 

I;:'.!: ; f \ '~~ ~ 

' available for receipt into said database: 

' '■ \ \ ■ f ] i :, 

analyzing contents of said document to. ensure compliance with at least one 

.' * i ■ 

standard; and j • 

■ i ! '* i I ' , 

I i ' .If ! 

• 1 ; providing output data from said record in said databas e: wherein said output 

;. .j : ;• ! | : ; j, 

datalinpludes at/least asset securitization data including data related to multiple assets' . 



1 . i , . ' Claim 2 (Currently Amended): A computer-assisted method for automated 

• • ■; | 1 <, i ■ ■ 

. aggregation and; authentication of assbt documents, said method comprising: 

i ' , ; : i ■! ' : 

, ; ' associating an asset with^a record in a database; 

i ;' . '■ • ■ : • ' • 

' j : inventorying an asset document into the associated record in the database on a 

flow! basis including inventorying information from said asset document into the database as 

'• ; ; !■ , _ : ; ;i 

saidlasjset document information pecc-mes available for inventorying ; ; 



! , analyzing contents of the asset document to ensure compliance with at least 

I ; ! • • i i ' ■', ■ 

one standard; I 1 ' • 

" I. !■ ! : :| : 

] providing specific information contained in the ass e t docum e nt record to a user 

i, . \ \ ', ; 

. on deniand; and ' • i '• ' j 

'■ 1 . • •. • : I -l ■ 

' I' : ' 1 

. . '! ' DRAFT FOR DISCUSSION PURPOSES ONLY 

• !; " — r. r~ : 7 

• j .: j NOT INTENDED FOR ENTRY INTO FILE HIStiORY . j 

i "d : i 6i6I - 0N '■■ M ' ;i MPt- mi m 'snv 



frCO:(ss-uiui) NOUVUha i -QISO » S59S9M-SINQ * Z/Z"ddXd3"01dSn*HAS * Nil wBiiAbq UJajseg] iNd 9H l^f tOOftHM IV OAOH * HIS 3SVd 



: i A^y.po9ketNo..010520 
: ! S^aljNci. 09/998, 152 



i . I 1 . 

generating common mjfoimation from a plurality of the rebords. 



' > comprises: 



record;; I 



Claim 3 (Original): Tljue method of claim 2, wherein the .inventorying step 



determining necessary asset document for origination, or updating of the 



I I entering information contained in the necessary asset document into the ijecord 
of the database on a flow basis; ! . ! i 

• i ; : ' { i i ■■ ' 
' i . i l ■ < 1 1 

• j ,: scanning thej necessary, asset document for the purpose of 'creating an electronic 

, ' 1 '• ■ i ' 

facsimile of the necessary asset document; and • > 

' ' ! : i • ' ! 

! I . ' 

' ' . ; i 

| i reviewing the record a^id the electronic facsimile to ensure compliance: wjth at 

least ;oiie standard. 



Claim 4 (Original): The method of claim 2, wherein the analyzing step J 



comprises: 



retrieving data stored it the associated record; and 
; comparing me contents of the asset document to the retrieved data. 



'step comprises: 



Claim 5 (Currently Arriended): The method of claim 2, iWherein the providing 

' I , ) ' i 

' i i i 

! 

requesting specific information contained in the asset document; 

i it; •:; i. 

locatmg a record associated with the asset document; 

i ! | ! 1 •; . ! 

retrieving the record; apd ; 



DRAFT FOR DISCUSSION PURPOSES ONLY 
NOT INTENDED BOR ENTRY INTO FILE HISTORY 



S 'd I 6Z.6 1 'ON 



M\'i .Ml 'IC 'DflV 



! Z5-C0:(ss-uiiu) NOIiVUna « :aiS3 1 SS9Stti:siNa tOZ'dHX£-OJdSflW3i[wU W6||fca UJ3JSB3] Wd W00M8 IV aAOH«H/9 39Vd 



I I 

I ,1 



, Atty. po^lret,No. 010^20 
'. S^ial!iNo].0is»/998,152 



f 1 ! 



1 1 

extracting the specific information contained in the ooaotldooumont record 1 . 



Claim 6 (Original): Tie method of claim 2, wherein the generating step 



comprises:; 



documents; 



determining the common .information required from a plurality of the assist 



initiating a query in the database whereby the query collects all records 



containing the common information thereby creating a plurality of asset; records; , i 

■ ■ ! i: ' ' ! . ! , I ;i : ! . 

| jj. t aggregatmg the common information contained in the plurality of record^ 

! ! j; displaying the aggregated: common information; and . ! 

i ! i ! ■ ' \ , i 

\ j |i : extracting the aggregated common information. !: '. 

\ f j i i ■ ■ !■ 

• ! 1 ! .: • ! ; 'i 

| • :i ' 1 i ' ' • : ' ■ S 

I Claim 7 (Original): The method of claim 2, wherein the standard comprises a 

l , 1 ; : i , • \ 

I ;. , ■ . • I 

■banking; standard for securitjzing a financial instrument, . j 



i i i,. ■ ■ 

commercial mortgage loan. ■ 



Claim 8 (Original): The method of claim 2, wherein the asset comprises a' 



;■ ! 

! i li 

f : ! !: 



Claim 9 (Original): Thje method of claim 3, wherein the inventorying step 

i r , t i 

further comprises generating an identification marker and affixing the identification marker to 

'!!':'! ' '' ' ' • '• 

.the necessary asset document. 1 ' '■ 

i!!'-'. : j : ; 

; i i i; : • : ! ■'■ ; : 



DRAFT FOR DISCUSSION PURPOSES ONLY ' 
NOT INTENDED FOR ENTRY INTO FILE HISTORY 



9 "d i 6i6l 'ON 



! ' ZS-GO:(ss-ujui) NOUttfflQ » :QISO , ttKMSMQ .ffl-AX&OldSIMIAS Ami l^Q u^3l Wd Qdi:f M0MCI8 IV QA3H ,Wl 30Vd 



' Atty. Docket No. 010520 
j Serial (No. '09/998,152 



: I : . : Claim io (Original); The method of claim 3, wherein the standard cornplris.es a 
legal standard for document quality. 



i i j • Claim 1 1 (Original): the method of claim 3, wherein thej inventorying step 

; >' '■ i : i 

[ ! !: I j ' : 

further comprises initiating 1 a query to determine missing data for the associated record.: , 



; 'j Claim 12 (Original): the method of claim 5, wherein the step of extracting the 

. M i ; i I !■ ' : I 

. specific information further comprises, writing the common information to a computer ; 

'. ! i \': ■ " ; . : ■> ' i 

readable medium. j ■ i 

■ ■ i !; : I 1 \ : ■ !■ 

; ; ;' : i ' / r 

Claim 13 (driginal): The method of claim 5, wherein the step of extracting the 

I I i ; j ' ■ ! 1 

specific information further comprised publishing the required information on a website'. 



Claim 14 (Original): The method of claim 5, wherein the, step of extracting the 

i : :i : : i 

specific, information further comprise|s generating and sending an e-mail 1 message containing 

i I i 1 . i i I i 

the rpqimred information. : i . ■ , \ 



Claim 15 (driginal): The method of claim 5, wherein «he| step of extracting 

; 1 I ■ i 

: I : ■ ; , 1 ' • : : 

further; Comprises generating a copy of the electronic facsimile of the asset document' t 



containing the specific information. 



i ' 



DRAFT FOR DISCUSSION PURPOSES ONLY 

; ! 

, NOT INTENDED FOR ENTRY INTO FILE HISTORY 



L 'i : 6i6! 'ON 



HJt! = f JOOZ 'iroilV 



I 



; ml&wi) NOUWfia « :aiS0 * SSOSttiSINa i QZ-AXG-OldSfWAS , Ni WBll^a UJ3JSB3] Nd9i:u:t MOWN! IV QA3N , W8 3DVd 



i : Atty. Dtxiket/No. 01Q520 
' Serial !Nq. 09/998, 152 
i i i 

! I : ■ 



Claim 16 (Original): 1 "he method of claim 6, wherein the; step: of extracting the 
i ; aggregated common information furujer comprises extracting the common information for 

:';!.]•• I j | 

< . sgcuj^itizing a financial instrument, j > i 



| , Claim 17 (Original): The method of claim 6, wherein thastep of extracting the 

i i i i j|i • ! 

i ' aggregated common information further comprises writing the common; information to a 

; ■ computer readable medium: ' 



Claim 18 (Original): The method of claim 6, wherein the step of extracting the 

. i : • | 

aggregated: common information furth er comprises publishing the common information jon a 
website^ f I •'. I 



i Claim 19 (Original): The' method of claim 6, wherein the step of extracting the 

j j. ' • \ ! ; ' I 

.aggregated common information further comprises generating and sending an e-mail mejssage 

1 !. 1 1 . ! 

containing the common information. | 



Claim 20 (Original): The .method of claim 6, wherein the database includes a 



' re^atipnal database. 



r i ; ' Claim 21 (Currently Amended): A computer readable medium having j 
cbmpjuter executable instructions for p erforming a method for automated ^aggregation and 

, j ! j • i 

; .authentication of asset documents intoj a database, the method comprising: ! 
associating ap asset witlb. a record in a database; 



I ! 



DRAFT FOR DISCUSSION PURPOSES ONLY : 

: i 

'NOT INTENDED fIoR ENTRY INTO FILE HISTORY 



8 'i ! 6A61 'ON 



• i ■ 



; ! 2Ho:(ss-uiiii} NOLLWnQ , :QIS3 • SS9S9tZ:SINQ . MUJOidSflMS . \m W&fal tuarseg] INd9i:^:f MUM IV QA3H , H16 39Vd 



A^y, Docket No^ 01 0520 



; inventorying an asset (jiocument into the record in the database on a flowlbasis 



! ii 



including inventorying information from said asset document into the record in the database 

j j ! ; . , i i . : i 

as saidj asset document information becomes available for entry ; \ 

■ analyzing tbje contentsi of the asset document to promote compliance With a 



standard; 



user; apd 



providing specific information contained in the record aridot dooumont td a 



generating cjommon information from the database. i \ \ \ 

■ \ '■ ! 

f ! 

: ■ I ' ' ; 

• Claim 22 (Original): The computer readable medium of claim 21, wherein the 

^ om ^^J ■ : i; 

: i • ' ; ; 

: ■ i . ' ■. i 

' ■ ■ . . ■ 1 • i • 

. Claim 23 (Original): The computer readable medium of claim 22, wherein the 

: : ! ! ' I 

standard Icomprises applicable standards for loan securitization: 



i ■ 



I , ■ Claim 24 (Original) : The computer readable medium of claim 23, wherein the 
• : : I- • . ; : \ ' 

coming information is generated fori use in commercial mortgage loan, securitization. [ 



. • i , 1 Claim 25 (Currently Amended): A computer system for automated i 

; i; : 1 ! • ' ' 

aggregation and authentication of asset documents comprising: 

i .1 ii : • I i ' ' ' . : : : 

• ! ! a data input jdevice fori receiving first information from an asset document 

Mi! M ' ' ! i 

associated withian asset from an inpujt source on a flow basis including 'receiving said first 



i i 



8 



DRAFT FOR DISCUSSION PURPOSES ONLY 



NOT INTENDED FOR ENTRY INTO FILE HISTORY 



6 "J - 6i6I 'ON 1 



;ttO:(ss-Uiiu) NOIlttfflQ » :QIS3 « SSttWSDN « OT-dttdHldSfRIAS « Nil Hfyfyl UJajseg] MOM IV QAOH . N/01 39Vd 



Atty , Docket No.' 0 1 0,520 
S<jrial|Ni 09/998,152 



r ! ' 



information as said first information becomes available for entry, where information from a 

plurality of the asset documents associated with the asset comprise a record; 

■'■ ! ■ ' | | 

a storage device for stbring the record; i i 

• ^processor for: [ . . 1 

■ i • ; ! ^ 

generating comparison data wherein the comparison data comprises 

i : i ; 

■ compared common data fields of the stored first information from a plurality 



i i 



4 



of the asset documents within the record, retrieving the_c6mparison data; where 



first information from 



th e com p arioon data cpmpris e o oomparod common data fi e lds of tlio otorod 



plurality of th e as s et dboumont s 'within th e recor j d and 



providing the comparison data to a user; | 
! ' : ' 'i i 

retrieving second information where the second information comprises 

the asset documents common data fields within the record and providing the 

second information to a user; ! i 

I ;i ; ' 

i • • ; ■ | , 

retrieving third information where the third information comprises 

data from fields common to fee multiple records and providing the third ! 

information to a user; 

'; identifying missing data for the asset and providing a missing data 
output to notify a user: and 1 
a data output device for generating first output information from the 



storage [device includes a relational database 



processor. 



Claim 26 (Original): Tjheicomputer system according to claim 25, wherein the 



DRAFT FOR DISCUSSION PURPOSES ONLY i 
t ' • :! 
; NOT INTENDED fjOR ENTRY INTO FILE HISTORY 



01 '& 



6A6I "ON 



tO02'JE"OnV 



i zg-£o:(ss-uiui) NOIlttfflQ « :QISD « SMSWSIM « ZMda-OldSflWS « Nil )i|6j|Aea luajseg] Wd 9 W M WOTO IV QADti > Ml \ 30Vd 



■ i : ; i: 

A&y. Docket No.j0l(!!52O 
Serial Nci. 09/^98,152 



j ' Claim 27 (Original): The computer system according to. claim 26, wherein the 
first [information is electronically transferred to the computer system. ; ! : i 



> ! ' 



I |. • Claim 28 (Original): The computer system according to* claim 27, wherein the 

: | ■ | 

fiptjinitbrmation is transferred to the somputer system over a telecommunications system. 



i i 



i . 



[ | j Claim 29 (Original): Jhe computer system according to, claim 28, wherein the 

, ' I I : ; ■ ' i . ! ' • ; 

processor aggregates information from a plurality of the assets thereby creating an asset • 

■ i I ' ■ : ; ] : : | : 

aggrjeglation output for use in securitizing the assets into a financial instrument. j 



i j j ■ Claim 30 (Currently Amended): A computer system for managing, servicing 

• '• ' . ' , i 

and aggregating commercial mortgage loans comprising: ; 

, i i ■ , i | ■ 

a. means for inputting information regarding a plurality jol; commercial ' . 



I ! 



mortgage loans ; on a flow basis including inputting said commercial mortgage loan [ 

; '' . I ; > 

; . | , i 

information as said commercial mortgage loan information becomes available for input : 



! I 



a means for storing the information regarding the commercial mortgage loans; 



dortg^geloan;; 



1 i 1 



a first querymeans foij collecting information from at least one commercial 

i 

s ■ f 

i 

a first queryjresult presentation means for presenting theicollected information; 



a second query means 



for determining if any data is missing from the 



commercial mortgage loan; 



a second query result presentation means for presenting a: missing data alert; 

DRAFT FOR DISCUSSION PURPOSES ONLY j 
NOT INTENDED FOR ENTRY INTO FILE HISTORY 



II 'a : 6i6I "ON 



1 1 

! I 



! ! »-co:(ss-Uiiu) NOIlVUna » :QISD » SS9S9W:SINQ * Z/Z-JdXd3~01dSn:HAS » Nl wbliifeQ luajsea] |«d 9i:il* tOOZ/LC/8 IV QAOH * N/Zl 39Vd 



Atty. Docket No , 010520 
Serially; 09/008,15^ 



: | . a ! means Icrjaggr^gaung&eiidormauxm of the commercial mortgage lo^tis 
wherein the means for aggregating has sin asset analysis means for determining if the j 
commercial mortgage loan iis prepare!* for securitization; 

', ' i : a means for:displaying aggregated information; ; ' 

::!;!;:•; ! ' ' ■ j: ; 

! 1 : ! a means for 'alerting a hser if any aggregated information necessary for ; 

securitization is, missing; and j '< 

! i ; ' ' , 1 : . : ■ j ■ 

! | V a means for lextraclmgj aggregated information. 



: | \ i Claim 3 1 (clurrently Amended): A computer-assisted method for automated 
' a gS r lgation and authentication of assist documents, the method comprising: ' ■ 

associating an asset with a record in a database; 

i i j 

inventorying an asset document into the associated record in the database on a 
flbwi basis in near real time; as the ass|st document becomes available to the loan originator; 

analyzing contents of the asset document to ensure compliance with customary 



i i 



standards, for loan securitization; 



' I : i 
■ i 
i t 

user; and 



I, . 



1 , i i 

providing specific infdrmation contained in the record as se t docum e nt toia 



generating cjommon information from a plurality of thelre'cords where the ■ 



common information is generated forjthe purpose of s e crutizing securitizing the asset irito a 
trustj and providing common information to potential investors, in the trust. 



l\ "d ! 6i6I 'ON 



; • 11 ; ! 

I : 

DRAFT FOR DISCUSSION PURPOSES ONLY 

NOT INTENDED FOR ENTRY INTO FILE HISTORY 

i I • ■ ■■ i: 



mz "ie "onv 



! j zs-Eo:(ss-Uiiu) NOUWna i :aiSD i SBStWSM « K- dUXOOldSINIAS « Nil HjBnAeo UJ3JSB3] mm WOTO IV aADH « H/U 39Vd 

!;:';! j : J 

Ajiy.DOCM.No.010520 j j > ! 

SoialiNd. 09/998,152 , ' ! 

f ' , • ' i ! ; ' 

1 ' ! 

, ; • Claim 32 (Original): ^ computer readable medium having computer 

! I •. I ! ,, 1 • . 

executable instructions for performing method for processing asset-related documents|in a 
database having at least one record therein, the method comprising: 

I ! . ! . • , i ! ' ' j [ 

1 • j , ; reviewing asset-related data contained on at least one asset document; . I 

\ \ '■■>'■ ■ ' : | 

i ; ■ ! : i • 1 i i 

j ■ ! : receiving said asset dopument into said database on a flow basis including, 

i ; ; ! : j ' ' 

receiving information fromlsaid asset [document into said database as said asset document 

; ; ■■■■ : i i : -; ! ; 

information becomes available for receipt into said database : • • . j 

; 1 ■ ■ i I . : • [ 

! "j r. , analyzing contents of s|aid asset document to ensure compliance with at least 

ard; and 



one. 



i i 

j : 
1 i 

! I 



providing output data from said record in said database.' ! 



I !• 



CI 1 



12 



DRAljT FOR DISCUSSION PURPOSES ONIiY: 
■ NOT INTENDED FOR ENTRY INTO FILE HISTORY 



6A6I 'ON 



j zs-£o:(ss-mui) NOIiWna i :QISD » SfittWSNQ * OHffiUHUSflWS « [auu wfilfcQ luajsei INd WOTO IV QAOU , U/U 39Vd 



I ! i ' , : : 
: Atty. Docket No. 01 0S20 

i Sepal Noj09/9?8;152' ' 

'' I ! ; ' i ! 
i 



' Summary ; :j 

' ■ f ! 

i [ 1 

Applicant respectfully requests withdrawal of the. rejections set forth in the 

i' ; ' ! !i i 

Officje j\ction and allowance of the prjssent application. The Examine^ is invited to cqntjact 
the uhdlersigned'irepresentative by telephone to discuss any outstanding issues with the i • 

■ Mi- « ! !• ' ; ;i ■ ' ; ' 

presentj application, j ; i 



! KIRKIlA|rRICK & LOCKHART LLP 
: H^W. Oliver Building ' > 
! , 535 Smithfield Street 
: Pittsburgh, Pennsylvania 15222-2312 

i | i ; : 

: Telephone; (412)355-8994 
Fax:] | ! (4^2)355-650(1 
E-Mailc • .mlazzara@kl.com 

: i i i 
■ Cpstbnier No. 26285 



Respectfully submitted, 



•I 
1 1 



Michael D. Lazzara 
Reg. No. 41,142 
Attorney for Applicant 



i ! 



6i6I "ON 



13 :i 

' 1 ' ' ij ! ' ' 

DRAFT FOR DISCUSSION PURPOSES ONLY 

NOT INTENDED FOR ENTRY INTO FILE HISTORY | 

l 

Hd9i:t toonronv 



i !